For CPAs
Mortgage planning answers for the questions clients bring to you
CPAs see the full picture. You know which client has cash flow to accelerate paydown, which one should pull equity out for an investment property, and which one is sitting on a 3.5% first mortgage while carrying 24% credit card debt. These tools give you balanced math to bring into the conversation, with no lead-capture gates.
Why CPAs partner with Rate Direct
- Live wholesale rates, not retail quotes. Pricing pulled from hundreds of wholesale lenders on demand. The number your client sees is the number they can lock.
- No lead capture required to see results. Your clients can run a scenario without handing over personal information.
- $0 origination quoting standard. Origination is not built into the rate. Lender fees are itemized in the pricing table for clean tax-basis tracking.
- Cash-out for investment property purchases. When your client has equity and you see a good basis opportunity in their cash flow, we can quote the refi or HELOC same-day.
- NMLS-licensed broker. Operated by Jennifer Kirby, NMLS# 2672337. Full agency and non-QM coverage including jumbo, asset-qualifying, bank-statement, and DSCR for investor clients.
How referrals work
CPAs share the URL or send a short client introduction by email. From there it is a standard licensed broker workflow. There are no paid referral arrangements and no revenue-share agreements, which keeps the relationship compliance-friendly for fee-based practices. The objective is simply to give your client honest pricing and a clean process.
CPA inquiries
For practice-level questions, introductions, or to discuss a specific client scenario, email info@ratedirect.net. Same-day responses during business hours.
Jennifer Kirby, NMLS# 2672337. Loan Factory Inc, NMLS# 320841. Equal Housing Opportunity. Not a commitment to lend.